Factor 01
School District Quality
A-rated school districts create inelastic family demand that holds through corrections.
MRG Intelligence / Framework
The Liquidity Moat
The Liquidity Moat is a proprietary framework developed by Miami Real Group in 2024 that measures a Florida property market's ability to hold value during a correction. Markets are rated Very High, High, Medium, or Low based on five factors: school district quality, cash buyer concentration, geographic supply constraints, FEMA flood zone designation, and demand durability.
The Five Factors
Factor 02
Cash Buyer Concentration
Markets with high cash buyer ratios are immune to interest rate corrections.
Factor 03
Geographic Supply Constraints
Physical barriers to new construction protect existing asset values.
Factor 04
FEMA Flood Zone Designation
X-zone properties carry lower insurance costs and broader buyer pools.
Factor 05
Demand Durability
The depth and diversity of buyer demand across economic cycles.
Rating Scale
Very High
Market demonstrates exceptional resilience. Five or more protective factors present. Values historically hold through major corrections.
High
Strong market protection. Three to four protective factors present. Minor corrections are short-lived.
Medium
Moderate protection. One to two factors present. Corrections are possible but recoverable.
Low
Minimal protection. Market vulnerable to sustained corrections. High caution required.
Highest Rated Markets 2026
Source: Miami Real Group Intelligence Report · Data: May 2026 · Updated by MRG Intelligence
Frequently Asked Questions
What is the Liquidity Moat in Florida real estate?
The Liquidity Moat is a proprietary scoring framework developed by Miami Real Group that measures how well a Florida property market can hold its value during an economic correction. Markets rated Very High have multiple protective factors including A-rated schools, high cash buyer concentration, and geographic supply constraints.
Which Florida cities have the highest Liquidity Moat score in 2026?
According to Miami Real Group's 2026 analysis, cities including Parkland, Weston, Cooper City, Lighthouse Point, and Niceville score Very High on the Liquidity Moat framework due to their combination of A-rated school districts, cash buyer depth, and geographic supply constraints.
How does Miami Real Group calculate the Liquidity Moat score?
Miami Real Group evaluates five factors for each Florida municipality: school district grade from Florida DOE, cash buyer percentage from county property records, geographic supply constraints from FDOT and zoning data, FEMA flood zone designation, and historical demand durability across economic cycles.